Your health insurance choice does make a difference.

Meet ottonova - the new digital health insurance designed to make your life more convenient. We arrange your doctors’ appointments by a simple app click and guarantee real-time concierge support in English, top-notch digital services, and outstanding coverage.

  • Special expat rates And excellent coverage

  • Full support in English To make your life easier

  • Get your visa Fullfills all legal requirements

  • No paperwork Sign up online and use the app

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ottonova hero image
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Which two tariffs would you like to compare?

Selected: 0/2

First Class Expats
€167
€500 Deductible
  • for Non-EU Expats only
  • Accommodation in private room
  • Dental prostheses: 90%
  • World-wide coverage up to 2 months
Select tariff for comparison
Experts' recommendation
Business Class Pro
€325
€0 Deductible
Deductible
  • Contribution refund
  • Accommodation in double room
  • Dental prostheses: 80%
Select tariff for comparison
Top performance
First Class Pro+
€352
€0 Deductible
Deductible
  • Contribution refund
  • 9 months premium-free while on parental leave
  • Accommodation in single room
  • Dental prostheses: 90%
Select tariff for comparison
Premium Economy
€263
€500 Deductible
Deductible
  • Accommodation in double room
  • Specialist via ottonova concierge
  • Dental prostheses: 60%
Select tariff for comparison

Premium health insurance for little money.

You can save a lot of money if you sign up with ottonova, and still get much better coverage compared to public health insurance. Non-EU Expats can save even more, by joining our special expat tariff.

You selected the following tariffs:
Exemplary monthly rate for employees
Public
insurance
Basic insurance
protection
€541
Experts' recommendation
€500 SB
First
Class Expats
Best coverage
for Expats
€167
€500 Deductible
€500 SB
Premium
Economy
Good coverage
with lowest premium
€263
€500 Deductible
€500 €1,250 SB
Business
Class
Good price-performance ratio
€295 €295
€500 €1,250 Deductible
€0 SB
Business
Class Pro
Great performance without deductible
€325 €325
€0 Deductible
€500 €1,250 SB
First
Class
Excellent
coverage
€314 €314
€500 €1,250 Deductible
€0 SB
First
Class Pro+
Outstanding coverage without deductible
€352 €352
€0 Deductible
Public
insurance
€541
First
Class Expats
€167
Premium
Economy
€263
Business
Class
€295 €295
Business
Class Pro
€325
First
Class
€314 €314
First
Class Pro+
€352

Deductible

Adjust your deductible according to your individual needs.

max €500 per year

max €500 per year

max €500 per year

max €1,250 per year

max €500 per year

max €1,250 per year

Contribution refund

Contribution refund

none none none none up to 1 annual average monthly premium none up to 1 annual average monthly premium

Outpatient services

Appointment booking through our Concierge
Directly to the specialist, access to private doctors via ottonova concierge
Corrective lenses, e.g. glasses/contact lenses up to €300 every 2 years up to €150 up to €300 up to €300 up to €500 up to €500
Elective Vision Correction Surgery (for example, LASIK) up to €1,000 up to €2,000 up to €2,000 up to €3,000 up to €5,000
Alternative practitioners up to €1,000 up to €500 up to €1,000 up to €1,000 up to €1,500 up to €2,000

Inpatient services

Free choice of doctor (including head of department)
Accommodation Multi-bed room Private room Double room Double room Double room Private or double room Private room
Assumption of costs for treatment in private clinics

Dental services

Dental treatments 0 - 100 % 100% 100% 100% 100% 100% 100%
Dental prostheses 10 - 65 % 60 - 90% 60% 80% 80% 90% 90%
Professional dental cleaning small subsidy possible 100%
2x per insurance year, max. €125 per treatment
100%
1x per insurance year, max. €125 per treatment
100%
2x per insurance year, max. €125 per treatment
100%
2x per insurance year, max. €125 per treatment
100%
2x per insurance year, max. €125 per treatment
100%
unlimited reimbursement

Other services

Bonus for preventive health care eventual
Worldwide coverage and repatriation
Preventive medical checkups without age limits
Coverage guaranteed for a lifetime
Contribution-free during parental leave eventual (up to 9 months when receiving parental allowance)
This list does not represent a conclusive comparison between the scope of the public health insurance coverage and the scope of coverage of the ottonova tariffs. The coverage details described are an excerpt from the tariff benefits and highlight differences. For comprehensive advice, please contact our experts.
Please find a summary of the coverage details of the ottonova tariffs here. And for full descriptions of the ottonova tariffs click here.
The terms and conditions of the individual insurance contract shall prevail and apply. The English translation is a non-binding version for your information only and has no legally binding character. The contract language will be German only.

How to proceed now?

Talk to our experts or check out all benefits.

Get a consultation View full coverage

A health insurance policy that focuses primarily on your needs.

We have designed a new kind of health insurance for expats that offers you extensive coverage, time-saving digital services and English-speaking support.

Real-time Support
Timeline App Screen
  • Ulrike Leicht lächelndes Gesicht
  • Andrea Rotes Herz
  • Matthias Sprechblase
Real-time Support

Your English-speaking concierge team.

Our dedicated English-speaking team saves you time and trouble. Whatever question you might have, the concierge is there to help and assist you via our app or on the phone. We guide you through the healthcare system and even schedule your doctor's appointments for you.

Get a consultation
Digital services
Timeline App Screen
Digital services

No more paperwork.

Germans seem to love paper. Doctor's invoices, sick notes and contracts – all on paper. We are putting an end to this. All of your important health documents can be saved and stored in the ottonova app.

Get a consultation
Digital Doctor's Visit
Timeline App Screen
Digital Doctor's Visit

English-speaking doctor on a video call.

Struggling to find doctors that speak English? Just use our app for a video call and receive a diagnosis, treatment plans, and even sick notes for work. Of course, you can still go to the doctor of your choice.

Get a consultation

What else does ottonova
offer?

  • We not only accept customers with short-term visas but also assist you when you want to extend it.
  • Health insurance from ottonova fullfills all legal requirements for your visa according to § 257 SGB V.
  • Want to explore the world? Go for it! All our rates provide you comprehensive coverage around the world.

Premium coverage for very little money.

Unlike public insurance, your premium at ottonova is not dependent upon your income. This means a huge saving potential for you. Simply tell us your age and employment status to find out how much you can save.

Personal advice, that really helps you out.

Sign up for a free and non-binding consultation with our English-speaking insurance experts to find the best tariff for you.

Because it's important to us that you feel well advised.

  • Objective and fair advice
    We want you to choose us out of conviction.
  • Expert insurance market comparison
    We help you understand differences in insurance
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What can we advise you on?


By submitting my data I agree to be contacted by ottonova.

Please tell us more about yourself.

We need this information in order to give you advice on the right tariff.

What is your name and date of birth?

Please select your gross annual income:

Occupational status:


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Great, how can we reach you?

Our promise to you: 100% fair advice - zero risk for you.

To confirm, please give us your email adress.

What phone number can we reach you on?

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Thank you for your trust!


Your non-binding phone call on:


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is reserved for 60 minutes


And this is how it continues:

  • Info email: After the confirmation, we will send you all the information concerning the consultation via email.
  • We are looking forward to meeting you!

Thank you for your interest in ottonova, !

In Germany, the private health insurance income threshold for employees working in Germany is set by the Federal Ministry of Labour and Social Affairs (BMAS).

Unfortunately, we're not able to offer you private full-comprehensive health insurance, due to the information provided.

If you live in Germany and work remotely for a foreign employer, please contact us.

If you are insured in the public system in Germany, we can offer you our excellent top-up dental insurance - to cover the gaps in your public health insurance.

Thank you for your interest in ottonova, !

Unfortunately, we can not offer a student rate for your age group. Please contact us via chat for more information.

Do you have questions about supplementary insurance?

Just give us a call on +89 121 896 08 and we'll help you directly.

Or start the online signup right away. The process can still only be completed in german, but for support just contact us.

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